
Siddharth Upadhya
I bring to the table my 17 years of dynamic and vast experience as a revenue-centric Business Leader,... | Mumbai, Maharashtra, India
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Siddharth Upadhya’s Emails si****@ba****.in
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Siddharth Upadhya’s Location Mumbai, Maharashtra, India
Siddharth Upadhya’s Expertise I bring to the table my 17 years of dynamic and vast experience as a revenue-centric Business Leader, with success in integrating and driving successive digital lending verticals, building lending products (unsecured), and propelling p&l functions. With strong commercial and business acumen, I enhance high-gross incremental revenue by defining digital customer experience and journey mapping. As a result of the skills gained, I am able to manage a Retail Lending business, reviewing and approving credit policies for various Retail Unsecured products, while tracking macroeconomic developments. I specialize in recommending dynamic roadmaps for lending businesses, including digital product development, identifying growth opportunities, partnerships, and alliances, customer segmentation, and GTM planning. Based on market trends and guidelines, I have successfully designed and implemented various frameworks and models to cater to the entire retail portfolio throughout my career. By using statistical data, I slash retail portfolio credit risk by developing and deploying underwriting models and detecting fraud. For retail portfolios across lifecycles, I analyze opportunities and develop credit scoring models, assessment tools, strategies, and capital estimate models (PD, LGD, and EAD). Ace in communication skills which have transformed me into a high-caliber professional who can resourcefully deal with key stakeholders. Infused with an innate ability to forge strong connections, can be easily contacted on LinkedIn or on by email: [email protected]
Siddharth Upadhya’s Current Industry Godrej Capital
Siddharth
Upadhya’s Prior Industry
Citifinancial Consumer Finance
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Icici Bank
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Yes Bank
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Bajaj Finance
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Electronica Finance
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Au Small Finance Bank
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Godrej Capital
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Work Experience

Godrej Capital
Head of Credit - Unsecured
Thu Jun 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Au Small Finance Bank
Sr Vice President
Mon Mar 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Dec 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time)
Bajaj Finance
National Head - Product & Risk
Sun Oct 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Feb 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time)
Electronica Finance
Sr Vice President
Sun Jan 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Sep 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time)
Bajaj Finance
National Head - Credit
Tue Jul 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Dec 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time)
Yes Bank
City Head
Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jun 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time)
Icici Bank
Sales Manager
Sun Jan 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time)
Citifinancial Consumer Finance
Personal Loan Officer
Sat Jan 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jan 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time)